When can you enjoy the new rules for car insurance?

Don't think about it before July 1, and there is news that it is November, and the said normative guidelines were said last year, but they have not been officially implemented.

Speaking of this, I want to popularize common sense, some ** follow the trend is too exaggerated.

Take car damage as an example, if a new car is 100,000, there are 3 ways to protect the car damage in the second year, respectively.

1 is the actual value after depreciation, in layman's terms, because the subject matter is old when insured, the insurance company is only responsible for restoring the customer to the old state when you insure the claim, if you are equipped with a new one, it violates the principle of non-income of the insurance law (and the extreme point, ten years of the car, your car is equipped with a broken engine, car body, etc., that is not equivalent to a new car?). The insurance company is not a welfare institution), so where can I find so many old parts for car repair in the 4S shop at this time? If you replace the new parts, you will have to add money to the customer, which is your wear and tear fee.

2 is to negotiate a **, insurance 50,000 or how much, that is because it is insured according to the proportion of the new car, and the insurance company is also accompanied by the proportion, the principle is the same as above.

3 is according to the 100,000 warranty, that is to say, the insurance is according to the brand new car insurance, then I will definitely pay for the new car parts, according to the above principle will not produce a price difference. Even if the car is replaced, then I will start to insure the new car, and there is no problem in principle (now the problem is that the insurance company's damage assessment is not the same as the standard of accessories in the 4S store, and there are problems on both sides of the cat, everyone knows it).

Therefore, don't overlord clauses at every turn, now the whole people do not have a deep understanding of insurance, so they are more trusting in what they say, but please understand the details first, so that everyone can understand better, and they will choose according to their different needs.

I'll admit I'm struggling.

The new policy for motor insurance premiums in 2020 is as follows:

1. The premium is calculated according to the actual value of the vehicle, and the insurance cost is determined according to the purchase price of the new car when the car owner purchases insurance before the different premiums are changed. After the fee reform, the vehicle is insured with the actual value of the premium to purchase the car damage insurance, and in the event of a total loss, the vehicle can be compensated for the actual loss. Before the comparison fee reform, consumers will also have to pay less.

After the fee reform, if the same ** vehicle is insured, then the model is different, and the premium paid is also different. Authoritative evaluation of vehicles with higher safety factors and easy repair (cheaper parts) will have lower insurance costs.

2. The less the insurance, the better the driving habits, the lower the premium, the higher the insurance company after the reform, which will not only depend on the car owner's insurance rate in the previous year, but also refer to the car owner's driving habits and driving risks. Simply calculated, there was no insurance in the previous year, and the car insurance rate can enjoy a minimum of 6% off the benchmark rate, if there is no insurance for two consecutive years, the minimum premium can be discounted by 5%, and if there is no insurance for 3 consecutive years (or more), the minimum premium can be discounted to about 4%.

3. Adding the right of "subrogation" simply means that when I encounter an insurance accident for which the other party is fully responsible, if the other party is insufficient or unable to compensate, the injured party can request its own insurance company to pay first, and then the insurance company is responsible for recovering from the other party.

4. The new regulations expand the scope of insurance liability, and the family members of the insured or the driver can pay compensation under the three liability insurance, compared with the past situation where the insurance does not pay for their own family members, after the fee reform, the scope of insurance liability has become wider. In addition, vehicle losses caused by natural disasters such as typhoons, tropical storms, blizzards, ice, sandstorms, and hail have also been added to the insurance liability of vehicle damage insurance, and a number of liability exclusion provisions have also been deleted for each type of insurance. Hope to adopt!

In 2018, the new regulations on motor insurance premiums will continue to be effective in 2019. Here's what's new for 2019 car insurance premiums:

1. The car premium is linked to the depreciation rate of the car;

2. Compensation can be paid for the loss of the car or the loss of the personnel on the car caused by force majeure;

3. Added ""Unable to find third-party special insurance", the owner does not have to bear the 30% deductible;

4. The owner of the car can get compensation if he hits his family;

5. The car insurance will take effect immediately after purchase, and if a traffic accident occurs accidentally, you can get compensation;

6. The car insurance premium is related to the number of violations by the driver;

7. As long as the car insurance appears once, the insurance discount will be canceled for the second year's insurance.

The new car insurance policy will be implemented on September 19, 2020.

In order to implement the people-centered development thinking, deepen the structural reform of the supply and reputation, better safeguard the rights and interests of consumers, let the market play a decisive role in the allocation of resources, and promote the high-quality development of auto insurance, the China Banking and Insurance Regulatory Commission has researched and formulated the "Guiding Opinions on the Implementation of the Comprehensive Reform of Auto Insurance", which is hereby issued to you, which will be implemented from September 19, 2020, and please conscientiously implement it. China Moxun Banking and Insurance Regulatory Commission.

September 19, 2020.

Legal basis: Notice of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Guiding Opinions on the Implementation of the Comprehensive Reform of Auto Insurance In order to implement the people-centered development thinking, deepen the supply-side structural reform, better safeguard the rights and interests of consumers, let the market play a decisive role in the allocation of resources, and promote the development of high-quality chain buckets for auto insurance families, the China Banking and Insurance Regulatory Commission has researched and formulated the "Guiding Opinions on the Implementation of the Comprehensive Reform of Auto Insurance", which is hereby issued to you, which will come into force on September 19, 2020, please conscientiously implement it. China Banking and Insurance Regulatory Commission.

The new car insurance policy will be implemented on September 19, 2020.

1. The time and scope of the vehicle number limit in Chengdu City.

In accordance with the Road Traffic Safety Law of the People's Republic of China and other laws and regulations, the Traffic Management Bureau of the Chengdu Municipal Public Security Bureau has decided to resume the traffic management measures of "tail number restriction" for small passenger vehicles in urban areas from October 19, 2020, so as to alleviate traffic congestion, optimize traffic structure, and promote the sustainable development of urban transportation.

Second, has the Chengdu traffic restriction really been canceled?

Chengdu primary and secondary schools will go through enrollment procedures on February 28, 2021, and classes will officially start on March 1, 2021. In order to coordinate the traffic management under the normalization of epidemic prevention and control, the Chengdu Municipal Traffic Management Bureau has decided to resume the implementation of the convenient policy of not being restricted by tail number for vehicles transporting primary and secondary school students from March 1, 2021. If the application has been successfully filed and the travel time slot of this base year has been reserved, the vehicle for picking up and dropping off students does not need to be declared and booked again.

3. What is the compensation standard for compulsory motor vehicle insurance?

The new liability limit of compulsory liability insurance has been implemented from 0:00 on September 19, 2020. If a road traffic accident occurs before 0:00, the original liability limit shall be enforced; If a road traffic accident occurs after midnight, the new liability limit shall be enforced.

When the insured is liable, the compensation limit for death and disability is 180,000 yuan, the compensation limit for medical expenses is 10,000 yuan, and the compensation limit for property damage is 10,000 yuan;

When the insured is not liable, the compensation limit for death and disability is 10,000 yuan, the compensation limit for medical expenses is 1,800 yuan, and the compensation for property damage is 100 yuan.

Notice of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Guiding Opinions on the Implementation of the Comprehensive Reform of Auto InsuranceIn order to implement the people-centered development thinking, deepen the supply-side structural reform, better safeguard the rights and interests of consumers, let the market play a decisive role in the allocation of resources, and promote the high-quality development of auto insurance, the China Banking and Insurance Regulatory Commission has researched and formulated the "Guiding Opinions on the Implementation of the Comprehensive Reform of Auto Insurance", which is hereby issued to you, and will come into force on September 19, 2020, please conscientiously implement it. China Banking and Insurance Regulatory Commission.

Hello! According to the latest news, the new regulations on car insurance in Jiangsu in 2016.

It may be implemented in April and May. After the implementation of this reform, there are a number of changes. In terms of premiums, premium pricing has shifted from amount-based to risk-based pricing.

First, the depreciation of the insured vehicle will be included in the premium accounting; Second, the purchase price of the vehicle is the same but the premium is different, generally speaking, the owner of the luxury brand model will have to bear more insurance costs in the future; Third, the premium will be doubled if there are too many accidents, and car owners with fewer accidents are expected to get a larger discount. For example, as of last year, car owners who have not been insured for three consecutive years are expected to get a discount of 6% or more after the fee reform, while before the fee reform is mostly 7% off; Car owners who have not been insured for two consecutive years will be discounted by 7%, which is the same as before the fee reform; Car owners who have been insured once in the previous year will implement the base premium, and before the fee change, they can get about a discount, and the premium of car owners with more accidents will be doubled, and the premium will be increased by 25% in the second year if they have been insured twice.

Article 2 of the Notice of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Guiding Opinions on the Comprehensive Reform of Auto Insurance stipulates that the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan, of which the compensation limit for death and disability will be increased from 110,000 yuan to 180,000 yuan, the compensation limit for medical expenses will be increased from 10,000 yuan to 10,000 yuan, and the compensation limit for property damage will remain unchanged at 10,000 yuan. The compensation limit for non-liability is adjusted according to the same ratio, of which the compensation limit for death and disability is increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses is increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage remains unchanged at 100 yuan.

Paragraph 1 of Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall take out compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

1. What is the compensation standard for lost work expenses of compulsory traffic insurance?

The compensation standards for the hidden traces of lost time expenses in compulsory traffic insurance are as follows, and the compensation for lost time expenses in compulsory traffic insurance is included in the compensation for death and disability. The compensation limit for motor vehicle death and disability in the road intersection and Huai parallel traffic accident is 110,000 yuan, and the compensation limit for death and disability without liability is 11,000 yuan. With regard to compulsory liability insurance for motor vehicle traffic accidents, the main thing is to implement a uniform national liability limit.

According to Article 23 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the liability limit is divided into death and disability compensation limit, medical expense compensation limit, property damage compensation limit and compensation limit for the insured who is not responsible in road traffic accidents.

2. What is included in the liability limit of compulsory traffic insurance?

The liability limits of compulsory traffic insurance include the compensation limit for death and disability, medical expenses, property damage, and the liability limit for the insured's lack of liability in road traffic accidents. The liability limit of compulsory insurance for motor vehicle traffic accident liability shall be prescribed by the insurance supervision and administration agency in conjunction with the public security department, the health department and the agriculture department.

Article 2 of the Notice of the China Banking and Insurance Regulatory Commission on Printing and Distributing the Guiding Opinions on the Comprehensive Reform of Automobile Insurance In order to better play the role of compulsory traffic insurance protection, according to the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the China Banking and Insurance Regulatory Commission, together with the Ministry of Public Security, the Health Commission, and the Ministry of Agriculture and Rural Affairs, will study and increase the liability limit of compulsory traffic insurance from 10,000 yuan to 200,000 yuan, of which the compensation limit for death and disability will be increased from 110,000 yuan to 180,000 yuan, and the compensation limit for medical expenses will be increased from 10,000 yuan to 10,000 yuan. The compensation limit for property damage remains unchanged at 10,000 yuan. The compensation limit for non-liability is adjusted according to the same ratio, of which the compensation limit for death and disability is increased from 10,000 yuan to 10,000 yuan, the compensation limit for medical expenses is increased from 1,000 yuan to 1,800 yuan, and the compensation limit for property damage remains unchanged at 100 yuan. According to the first paragraph of Article 2 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the owner or manager of a motor vehicle driving on a road within the territory of the People's Republic of China shall purchase compulsory insurance for motor vehicle traffic accident liability in accordance with the provisions of the Road Traffic Safety Law of the People's Republic of China.

For the adjustment of the amount of insurance for the case of liability and non-liability, in the case of responsibility, the amount of insurance for accidental death or disability before the reform was 110,000, and the amount of insurance increased by 70,000 yuan after the reform to 180,000; Before the reform, the insurance amount for accidental medical treatment was 10,000 yuan, and after the reform, it was 10,000 yuan. In the case of no liability, the insurance amount for death and disability before the reform is 10,000, and after the reform, it is 10,000; Before the reform, the insurance amount for accidental medical treatment was 1,000 yuan, and after the reform, it was 1,800 yuan.

The preferential coefficient has been adjusted, and for traffic accidents on the responsible roads, it is divided into areas A, B, C, D, and E, and different provinces and municipalities have different preferential coefficients for non-compensation.

Precautions for buying car insurance

Selection of purchase channels: Reasonable choice of insurance company, consumers should choose a legally qualified insurance company business agency to purchase auto insurance. The after-sales service of car escort insurance is as important as the product itself, and consumers should understand the content and credibility of the services provided by each public tomb division when choosing an insurance company.

Some insurance companies also offer discounts to consumers who purchase car insurance directly at their establishment.

Reasonable choice of ** people. Consumers can purchase car insurance through **person. When choosing a person, you should choose a person who has a practice qualification certificate, a business license and a formal contract with the insurance company; It is necessary to understand the part of the auto insurance clause involving liability and rights and obligations, and prevent individual people from one-sidedly exaggerating the product protection function and avoiding the content of the clause such as the exemption of liability.